OBK (Origin Bancorp) Moat Score: 3/10 (As of Jul. 24, 2026)

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OBK Origin Bancorp Inc OBK
63 GF Score
Price $54.17
GF Value $38.62
Valuation Significantly Overvalued
! 4 Warning Signs
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What is Origin Bancorp Moat Score?

Origin Bancorp OBK +3.10% 63 Moat Score is 3 as of Jul. 24, 2026. GuruFocus rates OBK with a GF Score™ of 63/100 and a GF Value™ of $38.62 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 1,605 Banks companies, Origin Bancorp ranks better than 74.58% on this metric.

Origin Bancorp has the Moat Score of 3, which implies that the company might have No Moat - Very weak/transient advantages.

Origin Bancorp has No Moat: Origin Bancorp Inc operates in a competitive banking sector with limited differentiation. It lacks significant customer switching costs, brand strength, or regulatory advantages, resulting in a very weak competitive position.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Origin Bancorp might have No Moat - Very weak/transient advantages.

Origin Bancorp  (NYSE:OBK) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Origin Bancorp Moat Score Related Terms

OBK vs QCRH, LKFN, BFC: Moat Score Comparison

For the Banks - Regional subindustry, Origin Bancorp's Moat Score, along with its competitors' market caps and Moat Score data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Origin Bancorp Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Origin Bancorp's Moat Score distribution charts can be found below:

* The bar in red indicates where Origin Bancorp's Moat Score falls into.


OBK
63GF Score
Origin Bancorp Inc OBK
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 3 mean?
Origin Bancorp (OBK) has a Moat Score of 3 as of Jul. 24, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Origin Bancorp ranks #408 out of 1605 companies in the Banks industry, placing it in the top 25.4%.
Is Origin Bancorp's Moat Score too high?
Origin Bancorp's current Moat Score is 3. Based on the distribution chart, Origin Bancorp ranks #408 out of 1605 companies in the Banks industry, which is above the industry midpoint. Overall, Origin Bancorp has a GF Score™ of 63/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Origin Bancorp's Moat Score compare to QCRH and LKFN?
According to the Banks industry distribution chart, Origin Bancorp ranks #408 out of 1605 companies for Moat Score. This puts Origin Bancorp in the upper half of its industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Origin Bancorp's current Moat Score is 3. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Origin Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Origin Bancorp (OBK) is currently considered Significantly Overvalued. The stock's GF Value™ is $38.62, compared to a current price of $54.17 — trading 40.3% above its estimated fair value. The current Moat Score is 3. Origin Bancorp's overall GF Score™ is 63/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Origin Bancorp (OBK), the current Moat Score is 3 as of Jul. 24, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Origin Bancorp (OBK) Overvalued in 2026?

Based on GuruFocus' analysis, Origin Bancorp stock appears to be overvalued. The current stock price of $54.17 is trading 40.3% above its estimated GF Value™ of $38.62. GuruFocus considers Origin Bancorp to be Significantly Overvalued.

Key valuation signals for OBK:

  • Moat Score: 3
  • GF Value™: $38.62 vs. price of $54.17 (40.3% above fair value)
  • GF Score™: 63/100 with 4 warning signs

No single metric tells the full story. See the OBK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Origin Bancorp Business Description

Address 500 South Service Road East, Ruston, LA, USA, 71270
Origin Bancorp Inc is a financial holding company that provides personalized, relationship banking to businesses, municipalities, and personal clients in the communities it serves. The company offers a broad range of financial services and operates more than 56 locations in Dallas/Fort Worth, East Texas, Houston, North Louisiana, Mississippi, South Alabama, and the Florida Panhandle. It also provides insurance agency products and services through its wholly owned insurance agency subsidiary. The company operates in one business segment, community banking, and is mainly engaged in attracting deposits from individuals and businesses and using these deposits and borrowed funds to originate commercial, residential mortgage, construction, and consumer loans.
63GF Score

Get the complete analysis for OBK

Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$54.17
Price
$38.62
GF Value